The Fair Credit Billing Act differentiates between disputes over quality of goods and services and unauthorized charges.
Complaints About the Quality of Goods and Services
Disputes about the quality of goods and services are not "billing
errors," so the dispute procedure doesn’t apply. However, if you have
a problem with goods or services you paid for with a credit or charge
card, you can take the same legal actions against the card issuer as
you can take under state law against the seller.
To take advantage of this protection, you must have made the purchase
(it must be for more than $50) in your home state or within 100 miles
of your current billing address, and make a good faith effort to
resolve the dispute with the seller first.
The FCBA settlement procedures apply only to disputes about "billing
errors." For example:
unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;
charges that list the wrong date or amount;
charges for goods and services you didn't accept or that weren't
delivered as agreed;
failure to post payments and other credits, like returns;
failure to send bills to your current address — assuming the creditor
has your change of address, in writing, at least 20 days before the
billing period ends; and
charges for which you ask for an explanation or written proof of
purchase, along with a claimed error or request for clarification.